Call reports 2016
BANK OF ELGIN — 2016
What BANK OF ELGIN reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 58,572,000 | 57,231,000 | 56,459,000 | 59,075,000 |
| Total loans | 39,762,000 | 41,148,000 | 39,120,000 | 38,339,000 |
| Allowance for loan losses | 596,000 | 596,000 | 597,000 | 597,000 |
| Securities available for sale | 4,054,000 | 3,482,000 | 3,651,000 | 3,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,098,000 | 47,102,000 | 46,549,000 | 50,421,000 |
| Interest-bearing deposits | 35,078,000 | 35,366,000 | 34,508,000 | 36,121,000 |
| Noninterest-bearing deposits | 14,020,000 | 11,736,000 | 12,041,000 | 14,300,000 |
| Equity capital | 6,362,000 | 6,605,000 | 6,864,000 | 7,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 499,000 | 1,005,000 | 1,504,000 | 2,002,000 |
| Interest expense | 41,000 | 80,000 | 117,000 | 154,000 |
| Net interest income | 458,000 | 925,000 | 1,387,000 | 1,848,000 |
| Noninterest income | 56,000 | 108,000 | 201,000 | 309,000 |
| Noninterest expense | 282,000 | 561,000 | 838,000 | 1,173,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 232,000 | 472,000 | 750,000 | 984,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 0 |
| Net income | 226,000 | 460,000 | 732,000 | 984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,727,000 | 5,957,000 | 6,229,000 | 6,482,000 |
| Total capital | 6,231,000 | 6,471,000 | 6,728,000 | 6,972,000 |
| Risk-weighted assets | 40,173,000 | 41,062,000 | 39,889,000 | 39,105,000 |